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Allowance for Loan Losses | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Allowance for Loan Losses | Allowance for Loan Losses (In Thousands, Except Number of Loans) The following is a summary of non purchased and purchased loans and leases at December 31:
| 2018 |  | 2017
Commercial, financial, agricultural | $ | 1,295,912 |  |  | $ | 1,039,393 |
Lease financing | 64,992 |  |  | 57,354 |
Real estate – construction | 740,668 |  |  | 633,389 |
Real estate – 1-4 family mortgage | 2,795,343 |  |  | 2,343,721 |
Real estate – commercial mortgage | 4,051,509 |  |  | 3,427,530 |
Installment loans to individuals | 137,832 |  |  | 122,276 |
Gross loans | 9,086,256 |  |  | 7,623,663 |
Unearned income | (3,127 | ) |  | (3,341 | )
Loans, net of unearned income | 9,083,129 |  |  | 7,620,322 |
Allowance for loan losses | (49,026 | ) |  | (46,211 | )
Net loans | $ | 9,034,103 |  |  | $ | 7,574,111 |
Allowance for Loan Losses The following table provides a roll-forward of the allowance for loan losses and a breakdown of the ending balance of the allowance based on the Company’s impairment methodology for the periods presented:
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Year Ended December 31, 2018 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,542 |  |  | $ | 3,428 |  |  | $ | 12,009 |  |  | $ | 23,384 |  |  | $ | 1,848 |  |  | $ | 46,211 |
Charge-offs | (2,415 | ) |  | (51 | ) |  | (2,023 | ) |  | (1,197 | ) |  | (742 | ) |  | (6,428 | )
Recoveries | 618 |  |  | 13 |  |  | 573 |  |  | 1,108 |  |  | 121 |  |  | 2,433 |
Net charge-offs | (1,797 | ) |  | (38 | ) |  | (1,450 | ) |  | (89 | ) |  | (621 | ) |  | (3,995 | )
Provision for loan losses charged to operations | 4,524 |  |  | 1,365 |  |  | (420 | ) |  | 1,197 |  |  | 144 |  |  | 6,810 |
Ending balance | $ | 8,269 |  |  | $ | 4,755 |  |  | $ | 10,139 |  |  | $ | 24,492 |  |  | $ | 1,371 |  |  | $ | 49,026 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 336 |  |  | $ | 68 |  |  | $ | 79 |  |  | $ | 1,027 |  |  | $ | 4 |  |  | $ | 1,514 |
Collectively evaluated for impairment | 7,772 |  |  | 4,687 |  |  | 9,572 |  |  | 21,564 |  |  | 1,365 |  |  | 44,960 |
Purchased with deteriorated credit quality | 161 |  |  | — |  |  | 488 |  |  | 1,901 |  |  | 2 |  |  | 2,552 |
Ending balance | $ | 8,269 |  |  | $ | 4,755 |  |  | $ | 10,139 |  |  | $ | 24,492 |  |  | $ | 1,371 |  |  | $ | 49,026 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Year Ended December 31, 2017 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,486 |  |  | $ | 2,380 |  |  | $ | 14,294 |  |  | $ | 19,059 |  |  | $ | 1,518 |  |  | $ | 42,737 |
Charge-offs | (2,874 | ) |  | — |  |  | (1,713 | ) |  | (1,791 | ) |  | (630 | ) |  | (7,008 | )
Recoveries | 422 |  |  | 105 |  |  | 733 |  |  | 1,565 |  |  | 107 |  |  | 2,932 |
Net charge-offs | (2,452 | ) |  | 105 |  |  | (980 | ) |  | (226 | ) |  | (523 | ) |  | (4,076 | )
Provision for loan losses charged to operations | 2,508 |  |  | 943 |  |  | (1,305 | ) |  | 4,551 |  |  | 853 |  |  | 7,550 |
Ending balance | $ | 5,542 |  |  | $ | 3,428 |  |  | $ | 12,009 |  |  | $ | 23,384 |  |  | $ | 1,848 |  |  | $ | 46,211 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 190 |  |  | $ | 4 |  |  | $ | 606 |  |  | $ | 1,867 |  |  | $ | 7 |  |  | $ | 2,674 |
Collectively evaluated for impairment | 5,040 |  |  | 3,424 |  |  | 10,831 |  |  | 20,625 |  |  | 1,840 |  |  | 41,760 |
Purchased with deteriorated credit quality | 312 |  |  | — |  |  | 572 |  |  | 892 |  |  | 1 |  |  | 1,777 |
Ending balance | $ | 5,542 |  |  | $ | 3,428 |  |  | $ | 12,009 |  |  | $ | 23,384 |  |  | $ | 1,848 |  |  | $ | 46,211 |
Year Ended December 31, 2016 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,186 |  |  | $ | 1,852 |  |  | $ | 13,908 |  |  | $ | 21,111 |  |  | $ | 1,380 |  |  | $ | 42,437 |
Charge-offs | (2,725 | ) |  | — |  |  | (3,906 | ) |  | (2,123 | ) |  | (717 | ) |  | (9,471 | )
Recoveries | 331 |  |  | 47 |  |  | 997 |  |  | 757 |  |  | 109 |  |  | 2,241 |
Net charge-offs | (2,394 | ) |  | 47 |  |  | (2,909 | ) |  | (1,366 | ) |  | (608 | ) |  | (7,230 | )
Provision for loan losses | 3,716 |  |  | 364 |  |  | 2,616 |  |  | (879 | ) |  | 787 |  |  | 6,604 |
Benefit attributable to FDIC loss share agreements | (61 | ) |  | — |  |  | (115 | ) |  | (48 | ) |  | (41 | ) |  | (265 | )
Recoveries payable to FDIC | 39 |  |  | 117 |  |  | 794 |  |  | 241 |  |  | — |  |  | 1,191 |
Provision for loan losses charged to operations | 3,694 |  |  | 481 |  |  | 3,295 |  |  | (686 | ) |  | 746 |  |  | 7,530 |
Ending balance | $ | 5,486 |  |  | $ | 2,380 |  |  | $ | 14,294 |  |  | $ | 19,059 |  |  | $ | 1,518 |  |  | $ | 42,737 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 446 |  |  | $ | 1 |  |  | $ | 1,134 |  |  | $ | 2,445 |  |  | $ | 115 |  |  | $ | 4,141 |
Collectively evaluated for impairment | 4,668 |  |  | 2,379 |  |  | 12,319 |  |  | 15,008 |  |  | 1,402 |  |  | 35,776 |
Purchased with deteriorated credit quality | 372 |  |  | — |  |  | 841 |  |  | 1,606 |  |  | 1 |  |  | 2,820 |
Ending balance | $ | 5,486 |  |  | $ | 2,380 |  |  | $ | 14,294 |  |  | $ | 19,059 |  |  | $ | 1,518 |  |  | $ | 42,737 |
(1) | Includes lease financing receivables.
The following table provides the recorded investment in loans, net of unearned income, based on the Company’s impairment methodology as of the dates presented:
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2,445 |  |  | $ | 10,043 |  |  | $ | 14,238 |  |  | $ | 8,059 |  |  | $ | 493 |  |  | $ | 35,278 |
Collectively evaluated for impairment | 1,264,324 |  |  | 730,625 |  |  | 2,732,862 |  |  | 3,903,012 |  |  | 194,774 |  |  | 8,825,597 |
Acquired with deteriorated credit quality | 29,143 |  |  | — |  |  | 48,243 |  |  | 140,438 |  |  | 4,430 |  |  | 222,254 |
Ending balance | $ | 1,295,912 |  |  | $ | 740,668 |  |  | $ | 2,795,343 |  |  | $ | 4,051,509 |  |  | $ | 199,697 |  |  | $ | 9,083,129 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 3,064 |  |  | $ | 1,777 |  |  | $ | 14,482 |  |  | $ | 10,545 |  |  | $ | 439 |  |  | $ | 30,307 |
Collectively evaluated for impairment | 1,021,014 |  |  | 631,612 |  |  | 2,275,270 |  |  | 3,260,648 |  |  | 174,211 |  |  | 7,362,755 |
Acquired with deteriorated credit quality | 15,315 |  |  | — |  |  | 53,969 |  |  | 156,337 |  |  | 1,639 |  |  | 227,260 |
Ending balance | $ | 1,039,393 |  |  | $ | 633,389 |  |  | $ | 2,343,721 |  |  | $ | 3,427,530 |  |  | $ | 176,289 |  |  | $ | 7,620,322 |
(1) | Includes lease financing receivables.

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- Definition The entire disclosure for allowance for credit losses. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -URI http://asc.fasb.org/topic&trid=2196771 + Details
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- References No definition available. + Details
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